Loss Recovery Experts

Insurance Claim Services - Identifying Damages & Homeowners Policy Evaluations

Protect your investment with the insurance claim services from M. Patrick Sauer, a Licensed Public Adjuster and Loss Recovery Expert in Baltimore, MD. Most homeowners don’t know they can hire a Public Adjuster to represent them. By having an advocate for your interests, you’ll get a better payout on your claim, sometimes two to four times as much as the insurance company’s initial offer.


We provide a free property inspection and policy review first. Then, we write a detailed estimate of the damage based on the inspection of your property and the evaluation of your policy. It is crucial to make sure your claim is worth filing. After that, we make all the phone calls, write all the letters, and meet with the insurance company adjuster to negotiate a fair settlement. We work on a contingency fee basis—if we don’t win, we don’t get paid.


Our industry is not well-known in Maryland. The insurance companies want you to think they have your best interests in mind, but as a for-profit business, they make money by limiting payouts on claims. Most people aren’t clear about what their homeowners policy actually covers. It typically includes:

Engineer Inspecting The House
  • Collapses
  • Roof Leaks
  • Water Stains
  • Toilet Overflows
  • Fire & Lightning
  • Breakage of Glass
  • Windstorm or Hail
  • Weight of Ice, Snow, or Sleet
  • Freezing of Plumbing, Heating, & AC
  • Accidental Damages to Carpets, Cabinets, & Wallpaper
  • Theft
  • Smoke
  • Vandalism
  • Sewer Backups
  • Stained Carpets
  • Damaged Siding
  • Missing Shingles
  • Power Surge Damage
  • Cracked Ceramic Tiles
  • Riot or Civil Commotions

Residential & Business Claims, Condos, Duplexes, Trailer Parks, Day Care Services, Warehouses, Meeting Halls, Bars, Restaurants, Country Clubs, Marinas, Malls, Hotels, Motels, and Boats

Contact us to learn more about how our insurance claim services can help you maximize your homeowners policy.